Apping for NFCU cc today...

When I get home from work, I'm going to apply for a NFCU line of credit. I've held out for a lil bit in order for my EQ and TU scores to go up a few point. This is my credit picture right now:

EQ 660, TU 649, I have a Cap1 cc $20 balance/$750 CL, Orchard Bank cc $49 balance/$420 CL (had both cc since Sept '11, always on time and under %20 utilization)Filed Chapt 7 in May '11/discharged August 15th '11. No baddies other than BK and 6 accounts associated with it. 4 inquiries since 9/2011. Income: 73k, Credit History: 17 years.

Based on this information and your experiences, can anyone give a prediction on what my outcome will be. Also, which card(s) should I apply for and would I have better luck calling it in or doing it online? Thanks in advance everyone, you all have been very helpful.

Re: Apping for NFCU cc today...

They don't do recons. You can't call and speak directly to an underwriter. If you got the 3-5 day message that means it got forwarded to underwriting and an actual human will review it and make a decision. In the event you are denied I would recommended you start a secured card with them then build a relationship with them then re apply in 6-12 mos

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